I recently refinanced my car. And my first payment is due at the end of the month. However when I can home today the titles to my car were in my mail box. Do I still have any legel obligations in paying on the loan now that I have my titles in my name?

If you signed legal loan papers, and they paid the first loan off, of course you have to pay,

They were just giving you your ownership, you own the car but still have a lien on it. Of course you have tgo pay!